The process for signing up was very easy and they offer a lot of help from talking to a therapist to finding a lawyer. I've been a client of theirs for three years now and I will continue to for as long as I can.
I moved and put in a change of address for my apt. insurance. I paid for the policy a year in advance and there was 4 months remaining. They said I would get a rebate as the place I was moving to was safer and would get a check for the difference. Then 4 weeks after a letter, dated a month before, and sent to the previous address, even though they had been given the new address was forwarded. It was no longer insured because of a claim at the previous residence. I had not made a claim in over 15 years. They would not refund the money, I was not insured and had no notification or emails.
They would not send back the money because they said I hadn't cancelled the policy. So THEY cancel a policy, then keep the money and give NO service. Can you imagine how bad it would be if I had to actually make a claim.